:root{--p:#12355B;--pd:#0B2540;--a:#0E8A5F;--ad:#0B7550;--l:#F2F7FB;--l2:#E3EEF7;--ink:#1c1a33;--mut:#5d5b78;--ln:#d5e1ec;--ok:#1d7a4f;--w:#fff;--r:16px;--sh:0 10px 30px rgba(27,22,80,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 Inter,system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Fraunces,Georgia,serif;line-height:1.15;margin:0 0 .5em;color:var(--pd);letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);font-weight:700}h2{font-size:clamp(1.7rem,3vw,2.5rem);font-weight:700}h3{font-size:1.25rem;font-weight:700}h4{font-size:1rem;font-family:Inter;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
a{color:var(--p)}p{margin:0 0 1em}img,svg{max-width:100%}.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.top{background:var(--pd);color:#cfcbf0;font-size:.85rem}.top .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}.top a{color:#fff;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--ln)}
.nav{display:flex;align-items:center;gap:18px;min-height:74px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--pd)}.brand b{font-family:Fraunces,serif;font-size:1.25rem;display:block;line-height:1}.brand small{white-space:nowrap;font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;color:var(--a);font-weight:700}
.menu{display:flex;gap:2px;list-style:none;margin:0 0 0 auto;padding:0;align-items:center}.menu a{white-space:nowrap;display:block;padding:9px 12px;border-radius:9px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.93rem}.menu a:hover,.menu a.on{background:var(--l);color:var(--p)}
.menu li{position:relative}.drop{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--ln);border-radius:12px;box-shadow:var(--sh);padding:8px;min-width:270px;list-style:none;margin:0}.menu li:hover>.drop,.menu li:focus-within>.drop{display:block}.drop a{font-size:.9rem}
.langbtn{font-size:.85rem;text-decoration:none;color:var(--p);border:1px solid var(--ln);padding:7px 11px;border-radius:99px;white-space:nowrap}
.btn{display:inline-block;padding:14px 26px;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font:700 1rem Inter,system-ui,sans-serif;transition:.18s}
.btn-a{background:var(--a);color:#fff}.btn-a:hover{background:var(--ad);transform:translateY(-1px)}.btn-p{background:var(--p);color:#fff}.btn-p:hover{background:var(--pd)}.btn-o{border-color:#fff;color:#fff}.btn-o:hover{background:#fff;color:var(--pd)}.btn-op{border-color:var(--p);color:var(--p);background:#fff}.btn-op:hover{background:var(--p);color:#fff}.btn-sm{padding:10px 18px;font-size:.9rem}
.burger{display:none;background:none;border:0;padding:8px;margin-left:auto;cursor:pointer}.burger span{display:block;width:24px;height:2px;background:var(--pd);margin:5px 0}
.sec{padding:84px 0}.alt{background:var(--l)}.dark{background:linear-gradient(135deg,var(--pd),var(--p));color:#e9e7fa}.dark h1,.dark h2,.dark h3{color:#fff}.dark a{color:#fff}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--a);margin-bottom:14px}.dark .eyebrow{color:#ff8a6b}
.lead{font-size:1.17rem;color:var(--mut);max-width:760px}.dark .lead{color:#d4d1f1}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.hero{padding:92px 0 100px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;right:-120px;top:-160px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(240,70,35,.32),transparent 68%)}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center;position:relative}.hero h1 em{color:#ff8a6b;font-style:normal}
.aud{display:grid;gap:14px}.audc{display:block;background:#fff;color:var(--ink)!important;border-radius:var(--r);padding:24px 26px;text-decoration:none;box-shadow:0 18px 40px rgba(0,0,0,.25);border-left:6px solid var(--a);transition:.2s}.audc:hover{transform:translateY(-3px)}.audc.l{border-left-color:var(--p)}.audc h3{margin:0 0 6px;color:var(--pd)}.audc p{margin:0 0 10px;color:var(--mut);font-size:.95rem}.audc span{color:var(--a);font-weight:700;font-size:.92rem}
.pagehero{padding:64px 0 56px}.crumbs{font-size:.85rem;color:#b9b5e6;margin-bottom:16px}.crumbs a{text-decoration:none}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}.card{background:#fff;border:1px solid var(--ln);border-radius:var(--r);padding:28px;box-shadow:var(--sh);transition:.2s;display:flex;flex-direction:column}.card:hover{transform:translateY(-3px)}.card p{color:var(--mut);font-size:.96rem}.card .more{margin-top:auto;font-weight:700;text-decoration:none;color:var(--a)}
.alt .card{border-color:transparent}.ic{width:48px;height:48px;border-radius:13px;background:var(--l2);display:grid;place-items:center;margin-bottom:16px}.ic svg{width:26px;height:26px;fill:none;stroke:var(--p);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tag{display:inline-block;font-size:.72rem;font-weight:700;background:var(--l2);color:var(--p);padding:4px 10px;border-radius:99px;margin:0 6px 6px 0}.tag.o{background:#ffe7e0;color:#b32a0c}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin:26px 0}.fact{background:var(--l);border-radius:14px;padding:18px}.fact b{display:block;font-family:Fraunces,serif;font-size:1.45rem;color:var(--p);line-height:1.15}.fact span{font-size:.82rem;color:var(--mut)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:34px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.box{border-radius:var(--r);padding:26px 28px;border:1px solid var(--ln);background:#fff}.box h3{margin-bottom:.6em}.box ul{margin:0;padding-left:1.15em}.box li{margin-bottom:.45em}.box.ok{border-top:5px solid var(--ok)}.box.no{border-top:5px solid var(--a)}.box.in{border-top:5px solid var(--p)}
.steps{counter-reset:s;display:grid;gap:18px;list-style:none;padding:0;margin:0}.steps li{counter-increment:s;display:grid;grid-template-columns:54px 1fr;gap:18px;background:#fff;border:1px solid var(--ln);border-radius:var(--r);padding:20px 24px}.steps li:before{content:counter(s);width:46px;height:46px;border-radius:50%;background:var(--p);color:#fff;display:grid;place-items:center;font:700 1.2rem Fraunces}.steps b{display:block;color:var(--pd);margin-bottom:2px}.steps span{color:var(--mut);font-size:.96rem}.steps.o li:before{background:var(--a)}
.tbl{overflow:auto;border:1px solid var(--ln);border-radius:var(--r)}table{border-collapse:collapse;width:100%;min-width:760px;font-size:.92rem}th{background:var(--pd);color:#fff;text-align:left;padding:13px 14px;font-weight:600;position:sticky;top:0}td{padding:13px 14px;border-top:1px solid var(--ln);vertical-align:top}tr:nth-child(even) td{background:var(--l)}td a{font-weight:700;text-decoration:none}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px}.chip{border:1px solid var(--ln);background:#fff;border-radius:99px;padding:8px 16px;font:600 .88rem Inter,system-ui,sans-serif;cursor:pointer;color:var(--ink)}.chip[aria-pressed=true]{background:var(--p);color:#fff;border-color:var(--p)}
.acc details{border:1px solid var(--ln);border-radius:14px;margin-bottom:12px;background:#fff;overflow:hidden}.acc summary{padding:18px 22px;font-weight:600;cursor:pointer;color:var(--pd);list-style:none;display:flex;justify-content:space-between;gap:16px}.acc summary:after{content:"+";font-size:1.4rem;color:var(--a);line-height:1}.acc details[open] summary:after{content:"\2212"}.acc details div{padding:0 22px 18px;color:var(--mut)}
.callout{background:#effaf5;border:1px solid #bfe8d6;border-left:6px solid var(--a);border-radius:12px;padding:18px 22px;font-size:.94rem;margin:24px 0}.callout.b{background:var(--l);border-color:var(--ln);border-left-color:var(--p)}
.tool{background:#fff;border:1px solid var(--ln);border-radius:20px;box-shadow:var(--sh);padding:34px;max-width:860px;margin:0 auto}.tool label{display:block;font-weight:600;margin:16px 0 6px;color:var(--pd)}.tool input,.tool select{width:100%;padding:13px 14px;border:1px solid var(--ln);border-radius:10px;font:1rem Inter;background:#fff}
.opts{display:grid;gap:10px}.opt{border:2px solid var(--ln);border-radius:12px;padding:14px 18px;background:#fff;text-align:left;font:600 1rem Inter,system-ui,sans-serif;color:var(--ink);cursor:pointer}.opt:hover{border-color:var(--p);background:var(--l)}.prog{height:8px;background:var(--l2);border-radius:99px;margin-bottom:22px;overflow:hidden}.prog i{display:block;height:100%;background:var(--a);width:0;transition:.3s}
.res{border:1px solid var(--ln);border-left:6px solid var(--p);border-radius:12px;padding:18px 22px;margin:12px 0;background:var(--l)}.res h3{margin:0 0 4px}.res.w{border-left-color:var(--a);background:#effaf5}
.checks label{display:flex;gap:10px;align-items:flex-start;font-weight:500;margin:8px 0;color:var(--ink)}.checks input{width:auto;margin-top:5px}
.kpi{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-top:20px}.kpi div{background:var(--l);border-radius:12px;padding:16px}.kpi b{display:block;font:700 1.5rem Fraunces;color:var(--p)}.kpi span{font-size:.82rem;color:var(--mut)}
.cta{text-align:center;padding:84px 0}.cta .lead{margin:0 auto 28px}
.prose{max-width:820px}.prose h2{font-size:1.5rem;margin-top:1.8em}.prose li{margin-bottom:.4em}
.formwrap{background:#fff;border:1px solid var(--ln);border-radius:20px;padding:20px;box-shadow:var(--sh)}.tabs{display:flex;gap:8px;margin-bottom:18px}.tabs button{flex:1}
footer.site{background:var(--pd);color:#c9c5ee;padding:64px 0 28px;font-size:.93rem}footer.site h4{color:#fff;font-size:.8rem}footer.site a{color:#e5e3fa;text-decoration:none}footer.site a:hover{color:#fff;text-decoration:underline}footer ul{list-style:none;margin:0;padding:0}footer li{margin-bottom:8px}
.fg{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.1fr;gap:30px}.legal{border-top:1px solid #3d3790;margin-top:40px;padding-top:24px;font-size:.84rem;color:#aca7dc}.legal .scam{font-size:.92rem;color:#fff;background:rgba(240,70,35,.18);padding:14px 18px;border-radius:10px}.legal .scam strong{color:#ffb4a1}
.logos{display:flex;gap:30px;flex-wrap:wrap;align-items:center;justify-content:center;opacity:.9;font:700 1rem Fraunces;color:var(--mut)}
@media(max-width:1020px){.fg{grid-template-columns:1fr 1fr}.hero .grid,.two,.three{grid-template-columns:1fr}.menu{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px;border-bottom:1px solid var(--ln);max-height:75vh;overflow:auto}.menu.open{display:flex}.drop{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 14px}.burger{display:block}.hdr{display:none}.langbtn{margin-left:auto}.burger{margin-left:0}}
@media(max-width:560px){.sec{padding:56px 0}.fg{grid-template-columns:1fr}.tool{padding:22px}.steps li{grid-template-columns:44px 1fr;padding:16px}.top .wrap{justify-content:center;text-align:center}}
@media print{.top,header.site,footer.site,.noprint,.cta{display:none!important}.sec{padding:20px 0}}
.hero .btn,.cta .btn{margin-bottom:10px}.brand{white-space:nowrap}
.hero.light{background:linear-gradient(180deg,#F2F7FB 0%,#fff 100%);color:var(--ink)}.hero.light:before{background:radial-gradient(circle,rgba(39,33,106,.10),transparent 68%)}.hero.light h1{color:var(--pd)}.hero.light h1 em{color:var(--a)}.hero.light .lead{color:var(--mut)}.hero.light .eyebrow{color:var(--a)}
.illus{background:#fff;border-radius:24px;box-shadow:0 24px 60px rgba(27,22,80,.16);padding:22px;border:1px solid var(--ln)}
.band{background:var(--pd);color:#e9e7fa;padding:34px 0}.band .wrap{display:flex;gap:26px;flex-wrap:wrap;justify-content:space-between;align-items:center}.band b{color:#fff;font:700 1.05rem Fraunces,serif}
.pill{display:inline-flex;gap:8px;align-items:center;background:var(--l2);color:var(--p);border-radius:99px;padding:6px 14px;font-weight:600;font-size:.85rem;margin:0 8px 8px 0}
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.trio .it{border-top:4px solid var(--a);padding-top:18px}.trio h3{margin-bottom:.4em}
.rep{display:grid;grid-template-columns:230px 1fr;gap:0;border:1px solid var(--ln);border-radius:18px;overflow:hidden;background:#fff;box-shadow:var(--sh)}.rep .tabs2{background:var(--l);display:flex;flex-direction:column}.rep .tabs2 button{text-align:left;padding:16px 20px;border:0;background:none;font:600 .95rem Inter,system-ui,sans-serif;color:var(--ink);cursor:pointer;border-left:4px solid transparent}.rep .tabs2 button[aria-selected=true]{background:#fff;border-left-color:var(--a);color:var(--p)}.rep .pane{padding:26px}.rep .pane table{min-width:0}.stamp{display:inline-block;border:2px dashed var(--a);color:var(--a);font-weight:700;padding:4px 12px;border-radius:8px;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.fvgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}.fvgrid button{padding:16px;border:2px solid var(--ln);border-radius:14px;background:#fff;font:700 1rem Fraunces,serif;color:var(--pd);cursor:pointer}.fvgrid button[aria-pressed=true]{border-color:var(--a);background:#effaf5}
@media(max-width:1020px){.trio{grid-template-columns:1fr}.rep{grid-template-columns:1fr}.rep .tabs2{flex-direction:row;overflow:auto}.rep .tabs2 button{border-left:0;border-bottom:4px solid transparent;white-space:nowrap}.rep .tabs2 button[aria-selected=true]{border-bottom-color:var(--a)}}
@media(max-width:560px){.brand small{display:none}.brand b{font-size:1.05rem}.langbtn{padding:6px 10px;font-size:.8rem}.nav{gap:10px}}